I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key? |
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One can live on very little - shops like Aldi and Lidl help, getting up early to walk or catch the bus or cycle instead of a car helps. Heating off and blankets on...
All in all, it’s effective forward planning and a ‘save’ mindset. It’s a miserable existence to do it for long periods though although of course I’m aware some people have no choice. |
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"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter"
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it |
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 |
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?"
i eat frugally  |
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?"
The first step to saving money is working out exactly where its going by recording every penny you spend & then look at ways you can make it more efficient.
Being organised is always the key |
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"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it"
That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think |
Reply privately, Reply in forum +quote
or View forums list | |
"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it
That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think"
Do you need disciplining?  |
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|
By (user no longer on site)
over a year ago
|
"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it
That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think"
shop at Aldi food and beverage will meet you there |
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"One can live on very little - shops like Aldi and Lidl help, getting up early to walk or catch the bus or cycle instead of a car helps. Heating off and blankets on...
All in all, it’s effective forward planning and a ‘save’ mindset. It’s a miserable existence to do it for long periods though although of course I’m aware some people have no choice. "
It is miserable to do it and totally agree, as a way of life that's got to be depressing..but needs must |
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By *hilloutMan
over a year ago
All over the place! Northwesr, , Southwest |
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?"
Every single year I swear to myself that i'll stick to predetermined budget and every year I fail miserably!
I think knowing how to spot deals throughout the year and buying way ahead of time works well i've been told  |
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"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it
That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think
Do you need disciplining? "
Totally need disciplining ..I need to be taken in hand |
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or View forums list | |
"Back*
Budget budget and budget
Always keep on top ...
.
.
.
Of your finances
This is an art I need to madter
I've been in trouble in the past
Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc
I can say how much I have to the penny ... just about begging disciplined about it
That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think
Do you need disciplining?
Totally need disciplining ..I need to be taken in hand "
I could guide you |
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|
By (user no longer on site)
over a year ago
|
leave bank cards at home
give yourself a small amount of cash each week.
when the cash is gone ... it's gone no spending with the card
meal plan
take lunch to work
stop buying coffee/treats when out
|
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|
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally "
I was impressed with your cheap main course ... £35 wasn't it   |
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|
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "
lol i got the two peronis free |
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|
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "
bargain |
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "
That is a great point |
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|
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "
and the meal was delicious |
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "
they were to forget about the plastic bit in the food lol |
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious "
|
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|
By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious "
don't believe you.... think I need an invite to be proved wrong  |
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|
By *cedbunsWoman
over a year ago
Gravesend |
Make notes of what you’re spending and where. You soon realise where you can make cuts.
A coffee on your way to work everyday might cost you £15 a week for example.
Small changes can make big savings |
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"leave bank cards at home
give yourself a small amount of cash each week.
when the cash is gone ... it's gone no spending with the card
meal plan
take lunch to work
stop buying coffee/treats when out
"
Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start |
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Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x |
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By (user no longer on site)
over a year ago
|
"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious
don't believe you.... think I need an invite to be proved wrong "
lol hey i have a pic of meal im having lobster tomorrow |
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"Make notes of what you’re spending and where. You soon realise where you can make cuts.
A coffee on your way to work everyday might cost you £15 a week for example.
Small changes can make big savings "
I was previously adding it up. It was quite a chunk of money over a month period. |
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By (user no longer on site)
over a year ago
|
"leave bank cards at home
give yourself a small amount of cash each week.
when the cash is gone ... it's gone no spending with the card
meal plan
take lunch to work
stop buying coffee/treats when out
Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start "
coffee is £3.20 a pop thats a definite saving |
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x"
Good advice |
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|
By (user no longer on site)
over a year ago
|
"leave bank cards at home
give yourself a small amount of cash each week.
when the cash is gone ... it's gone no spending with the card
meal plan
take lunch to work
stop buying coffee/treats when out
Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start "
|
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|
By (user no longer on site)
over a year ago
|
"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advice"
i said about Aldi first omg |
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg "
PML |
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|
By (user no longer on site)
over a year ago
|
"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg
PML "
pissed my leg? |
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg
PML "
*ahem!* see above! |
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg
PML pissed my leg? "
Hey i can piss with the best of them..legs included |
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By (user no longer on site)
over a year ago
|
"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg
PML pissed my leg?
Hey i can piss with the best of them..legs included "
omg shes got legs too my kinda woman |
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets
Mrs x
Good advicei said about Aldi first omg
PML pissed my leg?
Hey i can piss with the best of them..legs included omg shes got legs too my kinda woman "
od
dear dear me |
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By *onty1971Man
over a year ago
London St Helier Trier |
Radical method I read and is related to FIRE (Financial Independence Retire Early) is to not spend anything for 6 months. No coffees, lunches, dinners etc. Eat at home, packed lunch etc
Build 6 months of running costs in saving s accounts.
Invest in Income producing assets.
Sell anything you don't need.
There are variations on this to suit each persons style, income and needs. There is no one size fits all. |
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"Don’t buy any new clothes or shoes for one year
Say WHAT...say it's not so!
Haha yes it’s true!"
i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better |
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By (user no longer on site)
over a year ago
|
check if your on best deals for utilities, broadband, mobile phone etc
if not ... switch
check if there's any incentive for swapping banks. some offer £100+ to swap |
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By (user no longer on site)
over a year ago
|
"Don’t buy any new clothes or shoes for one year
Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!"
I’ll bet you’ve got loads of stuff in your wardrobe |
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"Radical method I read and is related to FIRE (Financial Independence Retire Early) is to not spend anything for 6 months. No coffees, lunches, dinners etc. Eat at home, packed lunch etc
Build 6 months of running costs in saving s accounts.
Invest in Income producing assets.
Sell anything you don't need.
There are variations on this to suit each persons style, income and needs. There is no one size fits all."
Hmmm I know..I need to get my head out of the take away coffee cups.
I like that idea of building 6 months of running costs. Coupled with having a real knowledge of ins and outs is a great start. |
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By (user no longer on site)
over a year ago
|
"Don’t buy any new clothes or shoes for one year
Say WHAT...say it's not so!
Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better "
You too |
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"Don’t buy any new clothes or shoes for one year
Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!
I’ll bet you’ve got loads of stuff in your wardrobe "
I have so much stuff that i have some charity bags to fill. I come across stuff I've forgotten i even had. |
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"Don’t buy any new clothes or shoes for one year
Say WHAT...say it's not so!
Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better
You too "
thank you for the advice lovely I will keep that in mind |
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By (user no longer on site)
over a year ago
|
"check if your on best deals for utilities, broadband, mobile phone etc
if not ... switch
check if there's any incentive for swapping banks. some offer £100+ to swap
i have never switched hmmm.."
bank does it all for you |
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"check if your on best deals for utilities, broadband, mobile phone etc
if not ... switch
check if there's any incentive for swapping banks. some offer £100+ to swap
i have never switched hmmm..
bank does it all for you "
oh ok x |
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By *ullpa72Man
over a year ago
Isle of Arran |
Always plan ahead .buy all your wrapping paper ,cards a nd any extra decks that you might need in January when they are cheap.buy Christmas's gifts all year when you spot a bargain or that something hopefully that way you only have a marginal extra spend in December .one last tip if you have a store card that gives points save them all for your Christmas's food and booze shop . Happy Christmas all !! |
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"Always plan ahead .buy all your wrapping paper ,cards a nd any extra decks that you might need in January when they are cheap.buy Christmas's gifts all year when you spot a bargain or that something hopefully that way you only have a marginal extra spend in December .one last tip if you have a store card that gives points save them all for your Christmas's food and booze shop . Happy Christmas all !!"
Thanks and a very merry Christmas to you x |
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Plan meals around what you have in the fridge/ freezer/ cupboard. Then only buy what you need for the week.
Ask yourself is the product at twice the price really worthy it, or are you paying for fancy packaging (says he who usually buys jam in octagonal jars!).
Take own lunch.
If you insist on real coffee in the day (if possible) have a cafetière at work.
Walk or cycle where practical. |
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By *lex46TV/TS
over a year ago
Near Wells |
Some good advice on here.
Look at regular direct debits that come out every month and do you still use them (gym membership) or need them (sky etc). Cancel all the ones you don't need, you might be surprised how much they cost.
Also look at switching utilities, water, electricity etc. |
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By (user no longer on site)
over a year ago
|
Open another bank account and use it for spending money.
Calculate bills and outgoings, then transfer whatever's left of your wage into the spending account.
Keep a piece of paper with the balance (like on old bank books) and mark off all receipts and cash you take out. Note what they money was spent on.
Makes you aware of how much money you have to spend and what you're spending it on. |
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"Open another bank account and use it for spending money.
Calculate bills and outgoings, then transfer whatever's left of your wage into the spending account.
Keep a piece of paper with the balance (like on old bank books) and mark off all receipts and cash you take out. Note what they money was spent on.
Makes you aware of how much money you have to spend and what you're spending it on. "
great advice |
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!
What do you do to save money?
How would you cut in order to so so?
Do you know every penny that goes in and out?
Is being organised the key?"
For me the key is visibility. Know what you income is. Know what your unavoidable outgoings are (mostly bills). Know what the difference is. That's what you can spend. Reduce it by an amount that you intend to save.
Do that sort of thing and it can help a lot. |
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